Private Pilot and light aviation life insurance, critical illness cover and income protection experts
At Sports Financial, our team consists of leading advisors in extreme sports and risky occupations. We specialise in assisting individuals engaged in high-risk activities, such as private pilots and light aviation enthusiasts, by providing tailored coverage, including life insurance, critical illness cover, and income protection. Over time, Sports Financial has supported numerous individuals categorised as high-risk due to their hobbies and occupations, ensuring they secure adequate life insurance and other personal coverage to safeguard themselves, their families, and their residences.
Life insurance for private pilots typically involves additional underwriting based on various factors. Therefore, consulting with an expert familiar with the best insurers for your situation is crucial. Life insurance, critical illness cover, and income protection are key forms of personal coverage intended to offer peace of mind for you and your loved ones in case of unforeseen events. Our specialised team possesses the know-how and proficiency to guide you towards the most suitable policy, aiming to help you save on premiums while ensuring optimal coverage.
If you have special terms for private pilots and light aviation life insurance, then you should speak to one of our expert advisers. Sports Financial has helped thousands of people with hazardous hobbies such as private pilots looking for life insurance to get the cover that they need to protect their loved ones.
Private pilots and light aviation critical illness cover
Critical illness cover for private pilots is also usually available on the mainstream life insurance market and often will be offered with no exclusions at normal rates. Private pilots are generally not viewed as an increased risk for critical illness cover by most insurance underwriters as there is not generally any additional serious illness risks relating to aviation activities.
As with all other applications for critical illness cover, private pilots will be assessed based on their own medical history and any other issues of family history for example. Private pilots critical illness cover will be based on your age, amount of cover you require, policy term and smoker status.
As with a lot of the hazardous hobbies and extreme sports that we deal with, TPD or Total and Permanent Disablement may be excluded from critical illness cover for private pilots. If you require further information, a quote or advice then please do not hesitate to contact our team of private pilot critical illness cover experts.
Private pilot insurance cover
Due to the increased risks when taking part in any form of aviation activity there may be additional underwriting requirements for private pilots life insurance. The general rule for private pilots and light aviation activities with life insurance is that cover is usually available at standard rates with no restrictions for recreational and infrequent flying. Private pilot life insurance underwriting will require for you to disclose additional information regarding your disclosure, such as:
- Type of aircraft
- License you hold
- Hours of flying (per annum)
- Countries you fly to or in
Most life insurance applications for private pilots will be underwritten and accepted with no special terms, unless there is something more hazardous about your activity. Helicopter pilots looking for life insurance may find that cover is slightly more restrictive as helicopters are viewed as more dangerous than planes. If you have been declined or accepted on special terms for private pilots and light aviation life insurance in the past, then you should speak to one of our expert advisers. Sports Financial has helped thousands of people with hazardous hobbies such as private pilots looking for life insurance to get the cover that they need to protect their loved ones.
Private pilots and light aviation critical illness cover
Critical illness cover for private pilots is also usually available on the mainstream life insurance market and often will be offered with no exclusions at normal rates. Private pilots are generally not viewed as an increased risk for critical illness cover by most insurance underwriters as there is not generally any additional serious illness risks relating to aviation activities.
As with all other applications for critical illness cover, private pilots will be assessed based on their own medical history and any other issues of family history for example. Private pilots critical illness cover will be based on your age, amount of cover you require, policy term and smoker status.
As with a lot of the hazardous hobbies and extreme sports that we deal with, TPD or Total and Permanent Disablement may be excluded from critical illness cover for private pilots. If you require further information, a quote or advice then please do not hesitate to contact our team of private pilot critical illness cover experts.
Private pilots and light aviation income protection
Income protection for private pilots is possible and it is not as difficult to get cover as commercial pilots as the risks are not specifically job related. There are certain potential underwriting issues with private pilots income protection so there could be some restrictions placed on cover. For private pilots and light aviation income protection it is better to speak to an experienced adviser who can help you to identify the best providers and top levels of cover. If you are a private pilot looking for life insurance, critical illness cover or income protection or even student pilot life insurance then you should speak to one of our team of experts who will help you to get the right cover and save you money.
Get a no-obligation quoteFrequently Asked Questions
Is private pilot life insurance different to commercial pilot life insurance?
There are significant differences between the risks relating to a private pilots life insurance policy and a commercial pilots life insurance cover. Mainly the facts that the equipment which will be used which is very different for obvious reason, the number of hours that a commercial pilot flies to a private pilot and the level of qualification required to be a commercial pilot.
Can you get life insurance if you fly a plane?
Yes, you can typically get life insurance if you fly a plane. However, the availability and cost of the policy might be influenced by factors such as the type of flying you do, your experience, and the specific insurance provider’s underwriting guidelines.
Do I need pilot life insurance?
Pilot life insurance is advisable to secure your family’s financial future in case of an unexpected tragedy. It offers protection by providing a payout to beneficiaries, ensuring financial stability and support in the event of the pilot’s death, making it a prudent choice for pilots with dependents or financial obligations.